| Information and Reporting Unit, Banking Supervision Division | 03/09/2001 | ||||
| Statement for the second quarter - consolidated | |||||
| Bank of Jerusalem Ltd. and its subsidiaries, Main data, NIS million | |||||
| Taken from the quarterly report to 30.06.2001. Adjusted to the CPI for 06.2001. | |||||
| Summary consolidated balance sheet | 30.06.2001 | 31.12.2000 | Bank's share of the banking system | ||
| 30.06.2001 | 31.12.2000 | ||||
| Cash and deposits in banks | 353 | 295 | 0.3% | 0.2% | |
| Securities | 248 | 280 | 0.3% | 0.3% | |
| Credit to the public | 4,980 | 4,736 | 1.0% | 1.0% | |
| Credit to the government | 0 | 0 | 0.0% | 0.0% | |
| Investments in companies included on an equity basis | 3 | 3 | 0.1% | 0.1% | |
| Buildings and equipment | 59 | 61 | 0.6% | 0.7% | |
| Other assets | 20 | 12 | 0.1% | 0.1% | |
| Total assets | 5,662 | 5,386 | 0.7% | 0.7% | |
| Deposits of the public | 4,624 | 4,385 | 0.7% | 0.7% | |
| Deposits of banks | 329 | 316 | 1.4% | 1.5% | |
| Deposits of the government | 109 | 90 | 0.6% | 0.5% | |
| Bonds and subordinated notes | 258 | 260 | 0.8% | 0.9% | |
| Other liabilities | 44 | 50 | 0.2% | 0.3% | |
| Total liabilities | 5,364 | 5,101 | 0.7% | 0.7% | |
| Quasi-capital items | 0 | 0 | 0.0% | 0.0% | |
| Minority shareholders' rights | 0 | 0 | |||
| Equity | 298 | 285 | 0.8% | 0.8% | |
| Summary consolidated profit and loss statement | Six months to | Bank's share of the banking system | Three months to | ||
| Six months to | |||||
| 30.06.2001 | 30.06.2000 | 30.06.2001 | 30.06.2000 | 30.06.2001 | |
| Net interest profit before loan-loss provision | 42.5 | 42.0 | 0.5% | 0.5% | 19.7 |
| Loan-loss provision | 1.0 | 4.6 | 0.1% | 0.4% | 0.4 |
| Operating and other income | 45.6 | 48.9 | 0.9% | 0.9% | 23.6 |
| Of which: Operating income | 43.3 | 43.1 | 1.1% | 1.0% | 22.1 |
| Operating and other expenses | 62.8 | 62.9 | 0.7% | 0.7% | 31.5 |
| Of which: Salaries and related expenses | 38.6 | 36.8 | 0.7% | 0.7% | 19.5 |
| Ordinary before-tax provision | 24.3 | 23.4 | 0.7% | 0.6% | 11.4 |
| Provision for taxes on ordinary profit | 11.0 | 9.0 | 0.6% | 0.5% | 5.1 |
| Ordinary after-tax profit | 13.3 | 14.4 | 0.8% | 0.8% | 6.3 |
| Bank's share in the profit of subsidiaries | -0.1 | 0.0 | -0.1 | ||
| Share of minority shareholders in profit of consolidated companies | 0.0 | 0.0 | 0.0 | ||
| Extraordinary after-tax profit | 0.0 | 0.0 | 0.0 | ||
| Net profit | 13.2 | 14.4 | 0.9% | 0.6% | 6.2 |
| Profit after the effect of the difference between the known index and the "in lieu" index | 13.7 | 14.7 | 0.9% | 0.6% | |
| Balances and rates of return on financial items by indexation base on 30.06.2001 | Unindexed NIS | CPI-indexed NIS | Foreign Currency (1) | Total financial items | |
| Balance of financial assets on balance-sheet date | 1090 | 3747 | 700 | 5536 | |
| Balance of financial liabilities on balance-sheet date | 1147 | 3581 | 633 | 5362 | |
| Excess of financial assets over financial liabilities | -58 | 166 | 67 | 175 | |
| Total indexation balance (incl.forwards and options in term of basis assets) 2 | -58 | 166 | 67 | 175 | |
| Rate of income on assets (percent) 3 | 7 | 5 | 10 | 6 | |
| Rate of expenditure on liabilities (percent) 3 | -5 | -4 | -7 | -5 | |
| Interest-rate differential | 2 | 1 | 2 | 1 | |
| Main financial ratios - consolidated (percent) | 30.06.2001 | 31.12.2000 | |||
| Equity/balance-sheet ratio | 5.26 | 5.29 | |||
| Finanancial capital/equity ratio | 58.54 | 56.32 | |||
| Equity/risk-weighted-assets ratio | 11.20 | 11.40 | |||
| Return on equity (net profit/gross weighted-capital ratio) 4 | 9.50 | 11.30 | |||
| Operating income/operating expenses ratio 5 | 72.61 | 79.95 | |||
| 1 Including foreign-currency indexed NIS. | |||||
| 2 Forwards transactions. | |||||
| 3 Six-month rate of income (expenses), on annual basis including ALM derivatives. | |||||
| 4 Annual basis. | |||||
| 5 For six months. Comparative data are annual. | |||||
| 17 | |||||